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Find out how long it will take to pay off a personal loan. Imagine that you have a $2,500 personal loan, and have agreed to pay $150 a month at 3% annual interest. Using the function NPER(rate,PMT,PV) =NPER(3%/12,-150,2500) it would take 17 months and some days to pay off the loan. The rate argument is 3%/12 monthly payments per ;· Figure 1: Use Excel’s NPER function to calculate the payment term for a loan. For longer term loans, NPER may return a large number of months, such as 94, which can be difficult to convert to months in your head. Let’s extend our calculations to make the output more calculate the number of payment periods for a loan, given the loan amount, the interest rate, and a periodic payment amount, you can use the NPER function. In the example shown, the formula in C10 is: = NPER(C6 12, C7, - C5) We will use the formula = B5 12 = 12 for the number of years to complete the loan repayment. In other words, to borrow $120,000, with an annua

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